Filed September 11, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,251 | $80,748+5.6% | $102,383-16.7% | $74,429+14.5% |
| Participation rate | 47.9% | 65.7%-17.8pp | 74.5%-26.6pp | 67.2%-19.3pp |
| Annual return | 21.53% | 27.57%-6.0pp | 24.94%-3.4pp | 1368.38%-1346.9pp |
| Employer contribution / active EE | $1,542 | $3,159-51.2% | $3,870-60.2% | $2,625-41.2% |
| Participant deferral / active EE | $2,634 | $3,861-31.8% | $5,060-47.9% | $4,348-39.4% |
| Admin fee / account holder | $14,679 | $2,371+519.2% | $8,391+74.9% | $1,944+655.0% |